Debit Score

What is Debit Score? Debit Score is reimagining how financial health is measured with a modern alternative to the traditional credit score, built on real-time open banking data rather than outdated borrowing history. Why It Matters Millions are invisible to the credit system, including renters, gig workers, students, immigrants, and people who simply choose not to borrow. Debit Score changes that by evaluating: ✅ Income patterns 📊 Spending behaviours 🚨 Distress signals in financial activity It offers a holistic, dynamic, and inclusive measure of affordability and financial wellbeing, one that reflects how you really manage your money. Powered by Open Banking No more relying on legacy data. Debit Score leverages secure, permissioned access to live bank transactions to deliver a 360° view of a person’s financial reality, all without requiring them to take on debt. Who Benefits? Consumers: Get a clearer picture of their financial health and access better tools to improve it. Banks & Lenders: Unlock smarter, fairer underwriting that doesn't exclude the underrepresented. Partners: Use the score to personalise rewards, financial guidance, and product eligibility.